Can we have a quick survey here of what size clients are selecting the yield curve vs. Alternative I or Alternative II interest rate approaches to prepare the 2008 pension plan funding valuations? And if Alternative I or II is being chosen (Alternative II will be the phase in approach), what month are you using to select an interest rate?

Using transition and 4th preceding month (e.g., for 1/1/2008, use 5.66%, 5.85%, 6.03%. Transition because can switch to non-traditional in 2009. 4th preceding month to allow the most time for planning. In reality, we're playing guessing games so why not allow the most flexibility?